BGEO:LSE-Bank of Georgia Group PLC (GBX)

COMMON STOCK | Banks—Regional | LSE

Last Closing Price

GBX 1,170.00

Change

-30.00 (-2.50)%

Market Cap

GBX 0.56B

Volume

0.09M

Average Target Price

GBX 1,215.00 (+3.85%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia. It operates through Retail Banking, Corporate and Investment Banking, BNB, and Other Banking Business segments. The Retail Banking segment offers consumer loans, mortgage loans, overdrafts, credit cards, and other credit facilities; funds transfer and settlement services; and customers' deposits for individuals and legal entities under the Express, Bank of Georgia, and SOLO brands. It primarily serves retail, and mass retail and affluent segments, as well as small and medium enterprises, and micro businesses. The Corporate Investment Banking segment offers loans and other credit facilities, funds transfers and settlement services, trade finance services, and documentary operations support services; and handles saving and term deposits for corporate and institutional customers, as well as provides private banking services to high net worth clients. The BNB segment offers retail and corporate banking services to clients in Belarus. The Other Banking Business segments provides compliance and governance services for various small corporate and social responsibility companies. As of December 31, 2019, the company operated 272 retail branches, 933 automated teller machines, and 3,217 Express Pay terminals. Bank of Georgia Group PLC was incorporated in 2017 and is headquartered in London, the United Kingdom. Address: 84 Brook Street, London, United Kingdom, W1K 5EH

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-11-27 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LLOY:LSE Lloyds Banking Group plc

-0.03 (-0.07%)

GBX26.41B 37.30 N/A
AIBG:LSE AIB Group plc

+0.05 (+3.10%)

GBX4.20B 10.38 N/A
BIRG:LSE Bank of Ireland Group plc

+0.01 (+0.30%)

GBX2.90B 4.77 N/A
VMUK:LSE Virgin Money UK PLC

-0.40 (-0.31%)

GBX2.01B N/A N/A
NBS:LSE Nationwide Building Society

N/A

GBX1.73B 4.72 N/A
TBCG:LSE TBC Bank Group PLC

-36.00 (-2.88%)

GBX0.67B 8.44 N/A
BOCH:LSE Bank of Cyprus Holdings Public..

+0.02 (+2.34%)

GBX0.29B 5.97 N/A
MTRO:LSE Metro Bank PLC

+4.55 (+4.04%)

GBX0.20B 15.04 N/A
STB:LSE Secure Trust Bank PLC

+11.00 (+1.20%)

GBX0.17B 8.53 N/A
ARBB:LSE Arbuthnot Banking Group PLC

+13.43 (+1.81%)

GBX0.11B 29.02 N/A

ETFs Containing BGEO

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -28.00% 71% C- 17% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -28.00% 71% C- 16% F
Trailing 12 Months  
Capital Gain -20.95% 71% C- 20% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -20.95% 71% C- 19% F
Trailing 5 Years  
Capital Gain -36.76% 75% C 22% F
Dividend Return 16.85% 60% D- 63% D
Total Return -19.91% 75% C 25% F
Average Annual (5 Year Horizon)  
Capital Gain -5.41% N/A N/A 19% F
Dividend Return 3.18% N/A N/A 72% C-
Total Return -2.23% N/A N/A 22% F
Risk Return Profile  
Volatility (Standard Deviation) 41.54% N/A N/A 24% F
Risk Adjusted Return -5.37% N/A N/A 25% F
Market Capitalization 0.56B 57% F 74% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.85 62% D- 76% C
Price/Book Ratio 1.06 14% F 61% D-
Price / Cash Flow Ratio 0.79 57% F 63% D
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 14.49% 100% A+ 82% B-
Return on Invested Capital 10.65% 100% A+ 73% C
Return on Assets 1.65% 86% B 54% F
Debt to Equity Ratio 120.55% 50% F 14% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.30 43% F 18% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (GBX)

Quarterly Financials (GBX)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector